Washington is nicknamed the Evergreen State thanks to its abundant and lush green forests. But we’re also calling it that because your wallet will also be evergreen thanks to our guide to saving on Washington car insurance.
We’re not kidding. You might not have a choice when it comes to car insurance, but you do have a say in how much you save. Keep reading for everything you need to know about getting car insurance in Washington, including how to save on car insurance without skimping on coverage.
Let’s get started.
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Before we dive into your options for car insurance, it helps to know what you need to have—before deciding what you want to have. In Washington (and most states), there are minimum car insurance requirements. This means that before you get behind the wheel, you need to have a certain level of car insurance, or you can face hefty consequences.
These are the minimum car insurance requirements in Washington:
This is pretty standard across states. What it means is that if you cause an accident that results in bodily harm or property damage for others, you have enough insurance to pony up and pay for it.
Keep in mind, this is only the bare minimum. It’s always recommended that you have more insurance in place, especially because these minimums don’t offer any protection to you or your vehicle.
Next, we’ll show you optional coverage so that you know what’s available to you.
It never hurts to explore your options for car insurance, and it also doesn’t hurt to quickly run through the basics again. This way, you’ll beef up your understanding of car insurance and help you make an informed choice.
Here’s a brief review of the main options for car insurance coverage in Washington:
These are the main coverage types that you would choose from to build out your car insurance policy. You can pick and choose what you want, and leave what you don’t, as long as you’re satisfying the minimum requirements in Washington (bodily injury and property damage).
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But the list doesn’t end there. For those who want a little more protection, you can add riders or endorsements to your policy. These are optional add ons and serve to boost your coverage.
The riders that are available to you depend on the insurer, but common examples include:
Again, these are completely optional and should only be added if they give you peace of mind and fit into your budget. Options vary by insurance provider, so you may have even more to choose from depending on who you’re with.
Now that we’ve gone through required and optional coverage, it’s time to talk about the elephant in the car: cost. We know that most people would load up on car insurance coverage if cost was no factor, but unfortunately it is.
Car insurance certainly isn’t cheap, but it’s more affordable than most people realize, especially when you use our money-saving tips (coming up next).
We’ve crunched the numbers for car insurance in Washington so you can get a better idea of what you can expect to pay:
Where you live also factors into your car insurance costs. Here are some average rates by cities in Washington:
There are many factors that determine your car insurance costs, from age and gender to car make and model, driver history, insurance claim history, zip code, and more. Each insurance provider uses their own formula for determining rates, which is why you could see three very different quotes from three different providers.
But you don’t have to guess what you will pay. Just click here for access to free quotes, so you can better budget for car insurance.
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No one wants to overpay on car insurance. In fact, it’s painful forking over any money for car insurance at all. But while the fact that you need car insurance isn’t going away, we can help you find savings on your rates so that it’s a little more manageable on the budget.
Here are some of our best tips for finding cheap auto insurance in Washington:
Saving money on car insurance is more than possible, no matter where you live. Now, all that’s left to do is find Washington auto insurance quotes that fit the bill (we’ve got you covered).
But first, we know that life is expensive. Especially life as a new parent. If that’s you, go ahead and grab our financial guide for new parents to help you navigate this exciting, but costly, time of life.
Ready to save? It’s time to start gathering quotes, but first you want to have the following info handy to speed up the quoting process:
Make sure to gather at least three quotes. If you’re short on time, we’ve made it easy for you: just click here for access to free quotes fast, and you’ll be on the road to great car insurance in Washington.
When it matters, we’ve got you covered.
Free Car Insurance Comparison - Save up to 30%
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